Home Insurance in Long Island, Kansas
Homes in Long Island carry a median value of $78,800 - 18% lower than the Phillips County median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Long Island was built around 1951. About 67% of homes were built before 1960, about 19 points above Phillips County's 49%.
The housing stock in Long Island is 96% single-family homes and 4% mobile or manufactured homes. Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy.
In Long Island, about 51% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Long Island has an owner-occupancy rate of 89% and a vacancy rate of 10%; unoccupied homes typically need a different coverage form.
Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies. 86% of homes in Long Island are primarily heated with natural gas.
FEMA rates Phillips County's overall risk as Very Low, led by hail (Relatively High). Phillips County has no active NFIP flood policies on file. See the full Phillips County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Kansas carries a statewide average premium of $1,733 per year.
Key figures
| Median home value | $78,800 |
|---|---|
| Median year built | 1951 |
| Owner-occupied share | 89% |
| Share of owner-occupied homes with a mortgage | 51% |
| Top county hazard | Hail (Relatively High) |
| Home insurance premium | $1,733 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)